PackageTrendsPeer
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West Indian

Hartford,, CT · Charter 67961

Q4 1998

$71KAssets
$5KLoans
$61KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.64%, up 82 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 8.58% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

0.64%+82 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets-0.18%-2.80%0.14%2.79%0.64%+82 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)8.46%9.07%27.71%7.61%11.90%+344 bps
Loan Growth (YoY)149.55%170.83%702%-28.87%-64.99%-21,454 bps
Share Growth (YoY)6.23%7.40%28.32%5.44%9.34%+310 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%2.42%3.65%5.25%+525 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares26.79%19.23%17.72%13.79%8.58%-1,821 bps
Liquid Assets / Assets55.71%70.99%76.54%72.34%66.94%+1,124 bps